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Free Tool · Updated for 2026

Free Real Estate Agent Commission & Tax Calculator

Work out your gross commission, brokerage split, fees and how much to set aside for taxes on every closing. Built for realtors, brokers and other commission-based professionals paid on a 1099. This is an estimate, not tax advice.

Private by design. Your numbers never leave your browser, nothing is uploaded or stored.
Try an example:

Commissions are negotiable and vary by deal. Enter the rate agreed for your side of the transaction.

Your take-home from this deal
$0
Gross commission (GCI)$0
Your split$0
After brokerage fees$0
Set aside for taxes$0

How it works

From sale price to take-home commission

  1. Gross commission income (GCI): sale price × your side’s commission rate.
  2. Referral fee: any percentage paid to the referring agent comes off the top.
  3. Brokerage split: your share of what is left, for example 70/30 or 80/20, then flat transaction or desk fees.
  4. Taxes: most agents are paid on a 1099 as independent contractors, so no tax is withheld. The estimate sets aside self-employment tax (15.3% on 92.35% of profit) plus your income tax rates.

This is a simplified estimate for one deal. Your real tax depends on your whole year, deductions and filing status. Read our guide to real estate agent commission taxes and bookkeeping.

Commission-based professionals

Built for agents, brokers and other commission earners

The same math works for insurance agents, mortgage loan officers and sales reps paid on commission: work out your share, subtract fees and costs, then set aside tax before you spend. Our real estate agent bookkeeping guide covers mileage, MLS dues, marketing and quarterly taxes, and our monthly bookkeeping service keeps it all tax-ready.

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FAQ

Commission and tax questions

How much should a real estate agent set aside for taxes?+
Many 1099 agents set aside 25 to 35 percent of their net commission, but the right amount depends on your income, deductions and state. The calculator estimates self-employment tax plus your federal and state income tax rates for each deal.
Do real estate agents pay self-employment tax?+
Yes, if you are paid as an independent contractor. Self-employment tax is 15.3% (12.4% Social Security up to the annual wage base plus 2.9% Medicare) on 92.35% of your net earnings.
What is GCI in real estate?+
Gross commission income is the total commission earned on a deal before referral fees, brokerage splits, fees and expenses.
Do real estate agents need to pay quarterly estimated taxes?+
Usually yes. With no withholding on commission checks, most agents make quarterly payments to avoid underpayment penalties. Estimated payments are generally due April 15, June 15, September 15 and January 15.

Close more deals, stress less at tax time

Book a free consultation. We track every commission, split and expense so your quarterly payments and year-end return are based on real numbers.

Book Free Consultation Call +1 (832) 240-0830